🏦Web3 Just Needed: The 8 Most Notable U Cards to Watch in 2026

According to on-chain data from @Dune, global crypto card spending experienced exponential growth in the second half of 2025, with monthly volume soaring from tens of millions at the beginning of the year to surpassing the $100 million mark. This data directly reflects the real user preferences in daily consumption.

💼 Core pain point: What problem does the U Card solve? Currently, the most frustrating issue with withdrawals is price slippage. The current USD to RMB exchange rate is 7, but if you sell USDT for cash on a CEX, the rate is only 6.87. Before spending, you already lose 2% due to slippage. Plus, OTC transactions often carry the risk of frozen cards, which is why U Cards are gradually becoming a necessity for Web 3 users. Bypassing intermediaries, offline payments, and daily expenses are deducted at real-time exchange rates, not only avoiding discount slippage but also eliminating the risk of disputes with acquirers. 💳 8 Most Worth Noticing U Cards in 2026 Based on on-chain payment data from Dune, and considering transaction activity and market recognition, a deep comparison of 8 mainstream U Cards: 1️⃣Ether fi @ether_fi ( Official XHunt ranking: 1,211): Ether.fi was originally an Ethereum re-staking protocol, allowing users to stake ETH, BTC, and stablecoins, while earning dual rewards via EigenLayer. In 2025, it transitioned into the payments sector. Ether.fi Cash Card is a DeFi-native credit card supporting crypto balance spending, offering 3% cashback on all purchases. No foreign exchange fees per transaction; no monthly or issuance fees. You can directly use the yield from staked eETH for repayments. Ether.fi DAO recently approved a $50 million buyback plan of ETHFI tokens (at prices below $3), which will use protocol revenue to reduce token circulation, demonstrating the protocol’s profitability. 2️⃣MetaMask @MetaMask ( Official XHunt ranking: 115): MetaMask Card is a compliant payment card jointly launched by the official MetaMask wallet and Mastercard. It is embedded directly within the wallet, so users don’t need to download any third-party apps to manage funds. Settlement is done via the Linea network, with a conversion fee of about 0.875% for non-USD transactions. Its cashback rate is relatively stable, currently between 1%-3%. Its advantage lies in the high payment success rate brought by official backing and compliance with current regulations. In terms of limits, it performs very steadily, with a daily maximum spending limit of up to $15,000. Besides payment functions, it offers exclusive Web3 discounts, such as special deals on travel and dining. Thanks to its strong official background, it boasts a very high success rate and fully complies with global regulatory requirements. 3️⃣Ready @ready_co ( Official XHunt ranking: 905): Ready is a self-custodial payment protocol evolved from the Argent wallet. It uses account abstraction technology, allowing users to spend U seamlessly as if using a traditional bank card. It offers real zero foreign exchange fees (global spending at Mastercard’s official rates with no markup), zero recharge fees, and zero conversion fees. In this mode, you save on foreign exchange slippage by directly spending USDC 1:1 from your wallet. Ready does not charge recharge or conversion fees, but offers cashback on each transaction, with a maximum annual reward of $1,800 in STRK tokens. 4️⃣UR @UR_global ( Official XHunt ranking: 38,186): UR is not just a card but a fully licensed and regulated bank account. Supports earning interest on deposits, with USDe earning 5% weekly yield automatically, and these interest-bearing assets can be used directly for daily card payments. In terms of fees, UR allows fiat deposits and global remittances (SEPA/SWIFT), supporting multi-currency IBAN accounts such as RMB, EUR, USD, JPY, SGD, HKD, CHF. Key point: Can directly spend RMB, with slippage around 1% using USDT as an example. Currently, UR has a 0% recharge fee, and crypto-to-fiat conversions are also free (a major selling point). Premium members can waive the 0.5% foreign exchange fee. During promotional periods, users can also access Pro features for free, saving 12U per month! A small tip: During account opening, the system performs GPS location verification. It’s recommended to temporarily disable VPN during this step, then reconnect after verification. 5️⃣Bybit Card @Bybit_ZH ( Official XHunt ranking: 8,239): Bybit Card is currently recognized as the best exchange U Card, with a seamless Apple Pay experience. It has no annual fee or virtual card application fee, making it very user-friendly for ordinary users. Supports earning interest on card balance, with an annual yield far higher than regular bank accounts. Cashback starts at 2%, with large clients earning up to 10%, paid directly in USDT. Bybit Card complies with MiCA regulations, offering free issuance and 8% APR savings; expanding to Europe, Brazil, and Malaysia in 2025; partnered with Mastercard, supporting 150 million merchants worldwide. Recently emphasizes zero off-ramp fees and more regional support requested by the community. In terms of fees, its virtual and physical cards share spending limits, with no hidden fees. Although foreign currency transactions incur 1% fee, crypto-to-fiat conversion fees are only 0.9%. Cashback is very attractive, with a base of 2% and up to 10% for large clients in BTC or ETH. 6️⃣Bitget wallet @BitgetWallet ( Official XHunt ranking: 3,890): This is a Visa debit card launched by Bitget Wallet, deeply integrated with the exchange ecosystem. It performs well on the Dune payment leaderboard, with total TVL exceeding $80 million. Currently, it mainly offers virtual cards. It provides a monthly zero-fee package, where the first $400–$600 of spending each month is completely free. Beyond that, a comprehensive fee of about 1% applies. Supported by Visa and Mastercard’s global clearing networks, its scope is very broad. Over 150 million merchants worldwide accept card payments—you can use it directly for U payments wherever cards are supported. If you don’t spend the money in your card temporarily, you can also put it into its interest pool, earning up to 10% annual yield, and withdraw anytime. 7️⃣Avici @AviciMoney ( Official XHunt ranking: 12,679): Avici is a crypto-based, internet-native neobank bridging fiat and crypto, allowing users to access funds like a bank while maintaining self-custody. The project’s token $avici performed exceptionally well in 2025, with over $6 million processed through Visa channels. Its biggest feature is flexible funding options: you can directly top up for spending or obtain credit lines by collateralizing SOL or ETH, enabling you to access funds without selling your assets. In fees, Avici adopts a very attractive fee-free model: no recharge fees, no daily or monthly maintenance fees. Standard foreign exchange fees are up to 3%, but during the current promotion, only 1% is charged. New users also get a $600 zero-fee spending reward. 8️⃣Cypher @Cypher_HQ_ ( Official XHunt ranking: 30,305): Cypher Card is a globally accessible crypto card, part of the Y Combinator (W22 batch) accelerator project, which received $4.3M in funding from YC and other institutions. Its token $CYPR is now listed on Binance Alpha. Fees involve 0.5% for USDC deposits, 1% for other tokens. Although each transaction incurs 1% foreign exchange fee, it offers $200 monthly free ATM withdrawals. For high-end users, it offers a $199 Premium plan, including a dedicated metal physical card and worldwide free shipping. 🧐 Practical Tips: 1️⃣ If you prioritize absolute compliance and security, choose Ethfi Cash / Ready / MetaMask, which are self-custodial and backed by major platforms, minimizing the risk of scams. 2️⃣ For domestic spending, choose UR without hesitation. UR supports RMB, which is highly valued among Chinese Web3 users! 3️⃣ For overseas bill payments, foreign broker deposits, or cross-border trade payments, UR’s multi-currency IBAN accounts can send and receive fiat like traditional banks—something ordinary U Cards cannot do. 4️⃣ If you’re most worried about card refusal or being blocked, choose Bybit. CEXs have the strongest compliance relationships with banks, ensuring the highest payment success rate. 5️⃣ For low-threshold options, Avici is currently the most user-friendly, but don’t put too much money in—diversify to reduce risk. 6️⃣ If all your assets are on exchanges: choose Bitget or Bybit for fastest transfers and backed by exchange protection funds. General Tips: Small tests first, start with virtual cards, diversify assets, check the latest restrictions on official websites. Compliant cards may be more troublesome, but they provide accountability if issues arise. 💡 Final Words - A Microcosm of Web3 The explosion of U Cards is actually a microcosm of Web3 entering Mass Adoption. It’s not just about saving that 2% withdrawal slippage, but also about increasing asset liquidity and autonomy. When your on-chain assets can seamlessly pay for every coffee and flight in daily life, cryptocurrencies truly gain the payment attribute of money. Which U Card would you choose? Feel free to share in the comments👏